Real Estate Center: Home Equity

Tap into Your Home's Equity for the Smartest Source of Funds

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Your house is a valuable asset. So put it to work for you. Whether you're planning a new addition or want to make improvements, borrowing against the equity in your home can provide you with the funds you need. Or, maybe you need access to money to help you consolidate your bills or pay a child's college tuition. Our home equity loans and lines of credit can help with that, too!

If eligible you can borrow up to 80% of the current appraised value of your home, less the balance on your first mortgage. You may even benefit from potential tax savings when borrowing with a home equity loanš.

Fixed-Rate Home Equity Loans
Like our fixed-rate mortgage loans, our home equity loan provides the stability you may be looking for. You decide the specific amount you need to borrow. Your rate and payment is locked in for the life of the loan (repayment terms of up to 15 years available).

Variable-Rate Home Equity Line of Credit
You'll have a pre-approved line of credit to use whenever and for whatever you want or need. Accessing your credit line is as easy as writing a Home Equity check. What's more, you pay back only the money you use, when you use it. We offer great rates with a low introductory rate effective for the first full year!

We're ready to help you get the loan that's right for you and your family. Call our Real Estate Center at (973) 235-6669 option 3 or outside area codes "973" and "201" call 800-HLR-8058 option 3 or visit one of our branches for more information or an application.

¹ Consult your tax advisor or attorney for tax consequences.